Cash Chats UK Money & Personal Finance podcast
Cash Chats is one of the top money and personal finance podcasts in the UK. Hosted by award-winning broadcaster Andy Webb, founder of BeCleverWithYourCash.com and deputy editor Amelia Murray, the show will help you save, make and manage money here.
542 | Was the Budget any good? Giveaways, gimmicks and the bigger picture
This weeks episode is sponsored by Charles Stanley http://charlesstanley.sjv.io/6k7oEQ
The Budget headlines have come and gone, but what does it really mean for your money?
In this episode, Steve and James look beyond the headline giveaways to explore whether we'll actually be better off, what's changing with savings and ISAs, and who's ultimately paying for the government's promises.
Plus, we uncover some of the lesser-known announcements and ask whether there's anything you should be doing differently with your money.
For links and further reading head to b...
541 | Tax explained: Where your money goes and how to pay less
This weeks episode is sponsored by Charles Stanley http://charlesstanley.sjv.io/6k7oEQ
Where does all the money you pay in tax actually go? And are you getting your money's worth?
With the Budget approaching, we take a closer look at how the government raises money, where it spends it, and what that means for your finances.
We also explore some of the ways you could reduce your tax bill, including allowances and reliefs you might be missing, and how to make the most of the public services you're already paying for.<...
540 | When patience isn't a virtue - all the ways waiting leaves you worse off
This weeks episode is sponsored by Charles Stanley http://charlesstanley.sjv.io/6k7oEQ
We're always told that patience pays off when it comes to money. But sometimes waiting can actually leave you worse off.
This week, James joins Steve to explore when holding out for something better becomes an expensive mistake.
From savings accounts that pay interest upfront to rising prices, expensive debts and retirement decisions, we look at the situations where acting sooner could make financial sense.
We also discuss whether it's worth waiting for the perfect deal, why...
539 | How scammers can trick anyone
Think you'd never fall for a scam? Think again.
Scammers have been finding ways to trick people out of their money for centuries, but modern technology has made their methods increasingly sophisticated — and much harder to spot.
From suspicious emails and fake websites to convincing impersonations and AI-generated voices, fraudsters have more ways than ever to catch us off guard.
In this episode of Cash Chats, Steve and James explore how scams have evolved, why anyone can become a victim, and some of the tricks criminals use to gain our trust.
Pl...
538 | ADHD and money: impulse spending, overwhelm and what can help
This weeks episode is sponsored by Charles Stanley http://charlesstanley.sjv.io/6k7oEQ
Managing money can be difficult at the best of times, but ADHD can bring its own set of challenges – from impulse spending and planning ahead to remembering deadlines, making decisions and simply finding the mental energy to deal with your finances.
In this episode, Amelia is joined by neurodivergent money expert and ADHD coach Abby Birch to look at the relationship between ADHD and money.
They discuss why conventional money advice doesn't always work for neurodivergent people, how emotions an...
537 | Millions hiding head in the sand over state pension
Millions of people have never checked their State Pension forecast — even though it could make up a huge part of their income in retirement.
In this episode, we look at what your State Pension forecast actually tells you, what gaps in your National Insurance record could mean, and what you can do if you find them.
We also look at the latest developments around the triple lock, tax and the growing concern that many of us are simply not financially prepared for later life.
Plus, James Andrews explains the simplest first step you ca...
536 | Brits want to save more: what's holding us back
This UK Savings Week, we look at why so many young people want to save but struggle to get started, the pressures getting in the way, and Amelia's practical tips to help you build a savings habit that actually sticks.
For links and further reading head to becleverwithyourcash.com/cashchats
ABOUT CASH CHATS
Cash Chats is the award-winning podcast brought to you by the team of money geeks at Be Clever With Your Cash, sharing the latest updates from the world of personal finance and helping you to navigate the everyday money challenges w...
535 | Could you save £8,000 a year on childcare?
Childcare can be one of the biggest costs facing families, with full-time childcare for a child under two averaging £263 a week.
In this episode, Steve is joined by Amelia Murray to explain the help available to parents — including two government schemes that could save some families up to £8,000 a year.
They cover who qualifies, how the schemes work, how much you could save and why around 400,000 families may be missing out on support they're entitled to.
If childcare costs are taking a big bite out of your budget, this episode will help you unde...
534 | Britain's £306 billion savings blind spot
This week on Cash Chats, New Bank of England figures reveal that almost £306 billion is sitting in accounts paying no interest at all — more than the amount held in fixed-rate savings.
So why are so many of us leaving our money somewhere that earns nothing? And with huge sums also sitting in easy-access accounts paying relatively low rates, are we making the most of our savings?
This week, James Andrews joins me to look at where people are actually keeping their cash, why so much money ends up in poor-paying accounts, and what you should thi...
533 | Energy bills are going up again – should you fix now?
This week on Cash Chats, host Steve Alderton is joined by Deputy Editor of BeCleverWithYourCash.com Amelia Murray to talk about the latest rise in the energy price cap. The headlines say 4%, but what does this mean? What does it actually cap and can a fixed deal help you beat the price hike.
For links and further reading head to becleverwithyourcash.com/cashchats
ABOUT CASH CHATS
Cash Chats is the award-winning podcast brought to you by the team of money geeks at Be Clever With Your Cash, sharing the latest updates from the wo...
532 | Inflation is rising AGAIN: What it really means for your money
This week on Cash Chats, host Steve Alderton is joined by Editor of BeCleverWithYourCash.com James Andrews to talk about the latest rise to inflation. It's up from 2.6% to 2.9% - but what does this mean to you? Should you care? James explains why you definately should care, why and what it means for your money.
For links and further reading head to becleverwithyourcash.com/cashchats
ABOUT CASH CHATS
Cash Chats is the award-winning podcast brought to you by the team of money geeks at Be Clever With Your Cash, sharing the latest updates f...
531 | The worst money mistakes we made at university and what we should have done instead
This weeks episode is sponsored by Charles Stanley http://charlesstanley.sjv.io/6k7oEQ
This week on Cash Chats, host Steve Alderton is joined by Deputy Editor of BeCleverWithYourCash.com Amelia Murray to talk about the biggest money mistakes at University. They'll share some of their own experiences, plus that of students past and present, ponder if parents should bail out their children and run through some top tips for being clever with your cash at uni.
For links and further reading head to becleverwithyourcash.com/cashchats
ABOUT CASH CHATS
Cash Cha...
530 | The story of Wonga & the rise and fall of payday loans
This weeks episode is sponsored by Charles Stanley http://charlesstanley.sjv.io/6k7oEQ
This week on Cash Chats, host Steve Alderton and Editor of BeCleverWithYourCash.com James Andrews are talking about the rise and fall of Wonga and the payday loan revolution. Wonga and their counterparts arrived with a bang and set about disrupting the loan game with quick, easy short term loans and lets not forget the sliders! However, things didn't take long to unravel and soon the empire came crashing down. But what exactly went wrong?
For links and further reading head...
529 | The little-known savings and borrowing option challenging the high street
This week on Cash Chats, host Steve Alderton and Editor of BeCleverWithYourCash.com James Andrews are talking about Credit Unions. With hundreds of millions of people being members of Credit Unions around the world, why are they not more widely used in England? We'll explain what they are, how they work and why they could provide you with an useful alternative to a high street bank.
This weeks episode is sponsered by Charles Stanley & Wealthify
For links and further reading head to becleverwithyourcash.com/cashchats
ABOUT CASH CHATS
Cash Chats is the...
528 | Millions of working Brits have no savings: The best ways to build them fast
This week on Cash Chats, host Steve Alderton and Editor of BeCleverWithYourCash.com James Andrews are talking about emergency funds. Recent research has noted, 1 in 4 UK employees don't have a financial buffer should something bad happen. So, what is an emergency fund? Why is it important and how do you build one up if you have yet to start?
This weeks episode is sponsered by Charles Stanley & Wealthify
For links and further reading head to becleverwithyourcash.com/cashchats
ABOUT CASH CHATS
Cash Chats is the award-winning podcast brought to you by the...
527 | The 30 year old reason rents keep rising
This week on Cash Chats, host Steve Alderton and Editor of BeCleverWithYourCash.com James Andrews are talking about the cost of renting hitting an all time high. But could something that happened 30 years ago really be the root cause? Find out in this weeks episode of Cash Chats.
This weeks episode is sponsered by Charles Stanley & Wealthify
For links and further reading head to becleverwithyourcash.com/cashchats
ABOUT CASH CHATS
Cash Chats is the award-winning podcast brought to you by the team of money geeks at Be Clever With Your Cash, shar...
526 | How to make a budget, then stick to it
This week on Cash Chats, host Steve Alderton and Editor of BeCleverWithYourCash.com James Andrews chat all things household budgets. The options out there, which works best, how to write one up and most importantly, how to stick to it!
This weeks episode is sponsered by Charles Stanley & Wealthify
For links and further reading head to becleverwithyourcash.com/cashchats
ABOUT CASH CHATS
Cash Chats is the award-winning podcast brought to you by the team of money geeks at Be Clever With Your Cash, sharing the latest updates from the world of pers...
525 | The 4 ways money can definitely buy you happiness
This week on Cash Chats, host Steve Alderton and Editor of BeCleverWithYourCash.com James Andrews are talking about happiness, specifically if money can make you happy! Research suggests there are 4 ways cash can put a smile on your face, it's up to you if you agree
This weeks episode is sponsered by Charles Stanley & Wealthify
For links and further reading head to becleverwithyourcash.com/cashchats
ABOUT CASH CHATS
Cash Chats is the award-winning podcast brought to you by the team of money geeks at Be Clever With Your Cash, sharing the late...
524 | Death of the Lifetime ISA - where the free Government cash is going next
This week on Cash Chats, host Steve Alderton and Editor of BeCleverWithYourCash.com James Andrews are chatting about the replacement for the Lifetime ISA, the recently announced First Time Buyer ISA.
This weeks episode is sponsered by Charles Stanley & Wealthify
For links and further reading head to becleverwithyourcash.com/cashchats
ABOUT CASH CHATS
Cash Chats is the award-winning podcast brought to you by the team of money geeks at Be Clever With Your Cash, sharing the latest updates from the world of personal finance and helping you to navigate the everyday mo...
523 | Why gold keeps rising - and the best ways to buy it
This week on Cash Chats, host Steve Alderton and Editor of BeCleverWithYourCash.com James Andrews talk about gold! As the price of gold reached a high of over £4,000 an ounce in March this year, we look at why we've seen this spike in the price, where all the gold is and how you can buy some.
This weeks episode is sponsered by the investing platform Wealthify
For links and further reading head to becleverwithyourcash.com/cashchats
ABOUT CASH CHATS
Cash Chats is the award-winning podcast brought to you by the team of...
522 | How to beat the "most hated tax" in the UK
This week on Cash Chats, host Steve Alderton and Editor of BeCleverWithYourCash.com James Andrews talk about inheritance tax and how from April 2027, the pension and death benefits will become part of the deceased's estate. We'll look at how many this will affect, why it's happening and what you can do to beat it - even if you're not a millionaire!
For links and further reading head to becleverwithyourcash.com/cashchats
ABOUT CASH CHATS
Cash Chats is the award-winning podcast brought to you by the team of money geeks at Be Clever With Y...
521 | Millions pile savings into ISAs - why they're entirely right
This week on Cash Chats, host Steve Alderton and Editor of BeCleverWithYourCash.com James Andrews talk about the £12 billon that savers moved in to Cash ISAs in April. Where has that money come from, why the shift in saving habits and where you can get the best ISA rate.
For links and further reading head to becleverwithyourcash.com/cashchats
ABOUT CASH CHATS
Cash Chats is the award-winning podcast brought to you by the team of money geeks at Be Clever With Your Cash, sharing the latest updates from the world of personal finance an...
520 | The reality behind the energy price cap rise and how to beat it
This week on Cash Chats, host Steve Alderton and Editor of BeCleverWithYourCash.com James Andrews talk about the recent hike to the energy price cap. They cover why we have a cap, what influences it and how to save on your energy bills.
For links and further reading head to becleverwithyourcash.com/cashchats
ABOUT CASH CHATS
Cash Chats is the award-winning podcast brought to you by the team of money geeks at Be Clever With Your Cash, sharing the latest updates from the world of personal finance and helping you to navigate the e...
519 | Why 15 million of us are undersaving for retirement & what you can do if you're one of them
This week on Cash Chats, host Steve Alderton and money expert James Andrews talk about how 15 million working people in the UK are undersaving for their retirement. We hear how and why we got to this point and what we can all do to make sure our pension pot is in as good a shape as possible.
For links and further reading head to becleverwithyourcash.com/cashchats
ABOUT CASH CHATS
Cash Chats is the award-winning podcast brought to you by the team of money geeks at Be Clever With Your Cash, sharing the l...
518 | As cash use collapses we look at when shops are allowed to reject notes and coins
This week on Cash Chats, host Steve Alderton and money expert James Andrews talk about the declining use of cash, what we spend it on and when currency gets complicated.
For links and further reading head to becleverwithyourcash.com/cashchats
ABOUT CASH CHATS
Cash Chats is the award-winning podcast brought to you by the team of money geeks at Be Clever With Your Cash, sharing the latest updates from the world of personal finance and helping you to navigate the everyday money challenges we all face. Show notes can be found at becleverwithyourcash.co...
517 | Premium Bonds; how a "squalid raffle" became a nations favourite way to save
This week on Cash Chats, host Steve Alderton and money expert James Andrews get chatty about Premium Bonds! We look at how they began, what happens to your money and how they became the nations favourite way to save. James also explains how they compare to savings rates and also if you'd stand a better chance becoming a millionaire playing the lotto.
For links and further reading head to becleverwithyourcash.com/cashchats
ABOUT CASH CHATS
Cash Chats is the award-winning podcast brought to you by the team of money geeks at Be Clever W...
516 | Why interest rates really change - and what you can do to protect yourself
This week on Cash Chats, host Steve Alderton and money expert James Andrews delve into the UK Base Rate. Despite the announcement interest rates will hold at 3.75%, there are still rumblings that a rise may be on the way. In this episode we talk about why interest rates change, and what you can do to protect yourself, and your money.
For links and further reading head to becleverwithyourcash.com/cashchats
ABOUT CASH CHATS
Cash Chats is the award-winning podcast brought to you by the team of money geeks at Be Clever With Your C...
515 | How Klarna makes money offering 0% loans
This week on Cash Chats, host Steve Alderton and money expert James Andrews chat about Blenheim Palace offering Klarna as an option to spread your payments for tickets over £100. Klarna can be a great way to purchase larger or expensive items at 0% interest - but how do they make their money?
For links and further reading head to becleverwithyourcash.com/cashchats
ABOUT CASH CHATS
Cash Chats is the award-winning podcast brought to you by the team of money geeks at Be Clever With Your Cash, sharing the latest updates from the world of per...
514 | Council tax rules changed after 30 years - what's still broken
This week on Cash Chats, new hosts Steve Alderton and James Andrews will be chatting about the changes to council tax payment rules. While the changes are very welcome, Steve and James also discuss if they go far enough and what remains broken. For links and further reading head to becleverwithyourcash.com/cashchats
ABOUT CASH CHATS
Cash Chats is the award-winning podcast brought to you by the team of money geeks at Be Clever With Your Cash, sharing the latest updates from the world of personal finance and helping you to navigate the everyday money c...
513 | The car finance scandal: what went wrong and why
This week on Cash Chats, new hosts Steve Alderton and James Andrews will be chatting about the car finance scandal. With over 12 million people affected and lots of money owed, Steve and James go through what exactly happened and why it was allowed to go on for so long.
For links and further reading head to becleverwithyourcash.com/cashchats
ABOUT CASH CHATS
Cash Chats is the award-winning podcast brought to you by the team of money geeks at Be Clever With Your Cash, sharing the latest updates from the world of personal finance a...
512 | When to save and when to invest
This week on Cash Chats, new hosts Steve Alderton and James Andrews will be chatting Saving Vs Investing. While investing is grabbing the headlines at the moment, it's also easier to invest than ever. James talks us through when it's best to play safe with savings and when investing is the better option.
For links and further reading head to becleverwithyourcash.com/cashchats
00:00 Intro
01:34 Saving vs Investing
ABOUT CASH CHATS
Cash Chats is the award-winning podcast brought to you by the team of money geeks at Be Clever With Your C...
511 | And it's goodbye from me! Andy talks tax bands and your annual ISA allowance
In Andy's final episode as host, he's talking about the latest stories that are important to you and your money. Including:
Tax band: where you fit in and how much you should be paying Your ISA Allowance for 2026/2027For links and further reading head to becleverwithyourcash.com/cashchats
00:00 Intro
00:59 A fond farewell for now
06:21 Tax bands
28:25 ISA allowance 2026/27
ABOUT CASH CHATS
Cash Chats is the award-winning podcast brought to you by the team of money geeks at Be Clever With Your Cash, sharing the latest updates from the wo...
510 | The best cards to use abroad, HBO Max value, massive Amex offers & more
In the latest episode of the pod Andy's talking about the latest stories that are important to you and your money. Including:
The best credit and debit cards for spending abroad HBO Max is here: what's included and how to get the best price Two boosted welcome offers from American ExpressFor links and further reading head to becleverwithyourcash.com/cashchats
00:00 Intro
01:19 Andy intros the new Cash Chats team
04:33 Best cards for abroad
17:06 HBO Max
29:49 Amex offers
ABOUT CASH CHATS
Cash Chats is the award-winning podcast brought to...
509 | Get up to £700 bank switching, Sky Vs DIY & how to get refunds on train travel
In the latest episode of the pod Andy's talking about the latest stories that are important to you and your money. Including:
Two new bank switching offers from Barclays and Lloyds worth up to £700 How to save on your Sky bill Navigate the complexities of train refunds on your disrupted journeyFor links and further reading head to becleverwithyourcash.com/cashchats
00:00 Intro
02:24 Bank switch offers and latest news
14:55 Train delay refunds
26:43 Sky Vs DIY
ABOUT CASH CHATS
Cash Chats is the award-winning podcast brought to you by...
508 | Top credit cards for 2026 & how bank switching affects your credit score
In the latest episode of the pod Andy's talking about the latest stories that are important to you and your money. Including:
From rewards to welcome bonuses, Andy goes through his top credit cards for 2026 Bank switching can make you £1,000s - but can it have a negative affect of your credit score?For links and further reading head to becleverwithyourcash.com/cashchats
00:00 Intro
01:34 Top credit cards 2026
23:29 Switching and your credit score
ABOUT CASH CHATS
Cash Chats is the award-winning podcast brought to you by the team of...
507 | All the latest bank switches, news and updates plus is it worth having a lifetime ISA anymore?
In the latest episode of the pod Andy's talking about the latest stories that are important to you and your money. Including:
Andy's February current account update including all the current switching offers Lifetime ISA changes: are they worth it anymore?For links and further reading head to becleverwithyourcash.com/cashchats
00:00 Intro
01:35 Current account news and offers
20:27 LISA changes
ABOUT CASH CHATS
Cash Chats is the award-winning podcast brought to you by the team of money geeks at Be Clever With Your Cash, sharing the latest updates fr...
506 | How to cut the cost of streaming & getting your first credit card
In the latest episode of the pod Andy's talking about the latest stories that are important to you and your money. Including:
With more and more streamming platforms on the market, here's how to save without missing out Advice on getting your first credit cardFor links and further reading head to becleverwithyourcash.com/cashchats
00:00 Intro
01:24 Save on streaming
16:20 Your first credit card
ABOUT CASH CHATS
Cash Chats is the award-winning podcast brought to you by the team of money geeks at Be Clever With Your Cash, sh...
505 | Buy now pay later: a useful tool or a path to debt? And what's in Andy's wallet this year?
In the latest episode of the pod Andy's talking about the latest stories that are important to you and your money. Including:
What's in Andy's physical and digital wallet for 2026 The pros & cons of BNPLFor links and further reading head to becleverwithyourcash.com/cashchats
00:00 Intro
01:58 What's in my wallet
17:51 Buy Now Pay Later
ABOUT CASH CHATS
Cash Chats is the award-winning podcast brought to you by the team of money geeks at Be Clever With Your Cash, sharing the latest updates from the world of personal fi...
504 | 7.1% savings account, easy direct debits for switching & more!
In the latest episode of the pod Andy's talking about the latest stories that are important to you and your money. Including:
Our top savings rates for February Cheap and easy direct debits for bank switching Tips and tricks to help you stop spending and get savingFor links and further reading head to becleverwithyourcash.com/cashchats
00:00 Intro
01:13 Cheap & easy direct debits
18:53 Tips to stop spending
29:41 Savings update
ABOUT CASH CHATS
Cash Chats is the award-winning podcast brought to you by the team of money geeks at...
503 | £750 HSBC switch, how to grab the Nationwide bonus & is it time to ditch the Cash ISA?
In the latest episode of the pod Andy's talking about the latest stories that are important to you and your money. Including:
Current account latest for January 2026 Do you need an ISA in 2026? Don't miss out on the Nationwide Fairer Share paymentFor links and further reading head to becleverwithyourcash.com/cashchats
00:00 Intro
01:24 Banking update
16:57 Do you need an ISA in 2026
35:04 Nationwide Fairer Share payment
ABOUT CASH CHATS
Cash Chats is the award-winning podcast brought to you by the team of money geeks at Be Clever Wi...
